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Dozens of trucks and thousands of volunteers delivered more than 260,000 Christmas wreaths to Arlington National Cemetery to honor fallen heroes.The rain Saturday didn't stop the day of service, which was made possible by the Wreaths Across America organization.  "If you look across this field of stones, it's massive, but we want to make sure that every individual receives a wreath and their name is spoken out loud,” says Karen Worcester, executive director of Wreaths Across America.Larry Landon, a Boy Scout troop leader, donated his time, unboxing and placing wreaths with 14 of his Boy Scouts.“Our troop unloaded trucks,” he says. “Over 36,000 wreaths were laid here at Arlington, with the help of these boys.”It’s a tradition in its 27th year, spanning all 50 states and into 26 countries. Nearly 2 million wreaths in total were placed.The goal is to give heroes across the world a gift this holiday season. 929

During a press conference in Delaware on Tuesday, presumptive Democratic Presidential Nominee Joe Biden said President Donald Trump was "derelict" in his duties in regards to reports of Russia paying bounties to Taliban-linked organizations for killing U.S. soldiers."The idea that he somehow didn't know or isn't being briefed — it is a dereliction of duty if that's the case," Biden said. "And if he was briefed and nothing was done about his, that's a dereliction of duty."On Friday, The New York Times reported that Russia was secretly offering militant groups in Afghanistan — some of which had ties to the Taliban — payments in exchange for killing U.S. soldiers. Over the weekend, the White House said that Trump had not been briefed on the issue.But on Monday, The New York Times reported that the subject had been broached in Trump's Daily Presidential Brief from intelligence officials on Feby. 27. Furthermore, The Associated Press reported Monday that the White House was aware of the bounties as early as 2019."What are those parents (of military members) thinking out there? Sons and daughters? Husbands and wives? It's an absolute dereliction of duty," Biden said.Biden also slammed Trump's response to the coronavirus pandemic, excoriating the president's declaration that he was a "wartime president" by saying that Trump was "in retreat.""It seems like our wartime president has surrendered, wave the white flag and left the battlefield," Biden said. "Today, we face a serious threat, and we have to meet it as one country."Biden also urged all Americans to wear a mask to prevent the spread of the virus, echoing his promise to enact a national mask requirement should he become president.Biden was also asked about his potential running mate. In the past, the former vice president has said he would only consider a woman for the role, and while he did not give any specific names, he mentioned that there are "number of women of color. There are Latino women. There are Asian. There are across the board."Finally, Biden was asked about protecting some statues and monuments amid calls for removal from protesters. While Trump has called for the protection of monuments and military bases named for Confederate generals, Biden drew a distinction between Confederate monuments and statues to Founding Fathers who may have been slave owners."There's a difference between reminders and remembrances of history and recovering from history," Biden said. "...I think (Confederate) statues belong in museums, they don't belong in public places."He added that he believes the government has a duty to protect monuments to Founding Fathers who owned slaves, like Thomas Jefferson. 2699

During the week as results were being compiled, a number of international leaders were careful not to speak out on Tuesday's presidential election. Now that President-Elect Joe Biden has been projected to win the election, leaders across the world have sent their congratulations to Biden, who will take office on January 20, 2021.“On behalf of the Government of Canada, I congratulate Joe Biden and Kamala Harris on their election as the next President and Vice President of the United States of America,” Canadian Prime Minister Justin Trudeau said.“Canada and the United States enjoy an extraordinary relationship – one that is unique on the world stage. Our shared geography, common interests, deep personal connections, and strong economic ties make us close friends, partners, and allies. We will further build on this foundation as we continue to keep our people safe and healthy from the impacts of the global COVID-19 pandemic, and work to advance peace and inclusion, economic prosperity, and climate action around the world.”UK Prime Minister Boris Johnson, someone generally seen as an ally of President Donald Trump, sent this tweet: 1154

Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

Donald Glover had quite the weekend.The actor, who has been riding high these days with both his series "Atlanta" and his role as young Lando Calrissian in the forthcoming "Solo: A Star Wars Story," both hosted "Saturday Night Live" and was the musical guest as his rap/R&B alter ego, Childish Gambino. 314

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